10 Things Sellers Should Know About a Residential Real Estate Closing

Web Admin - Monday, June 18, 2018
Arlington Heights residential real estate lawyerSelling a home can be a stressful process, but once a buyer has made an offer and agreed to buy your house, the end of the process is in sight. However, there are still a variety of issues which may need to be resolved and matters which will need to be settled before the sale is complete. Here are 10 things you should take care of as you complete your residential real estate closing:

1. Address home inspection issues - The buyer will pay for a home inspection, which may uncover a variety of issues that they may ask you to correct or repair. You can preempt some of the issues by having your own home inspection completed prior to listing. This will give you an idea of the issues that may be raised later or minor issues that you can resolve prior to accepting an offer. Be sure to complete any agreed repairs prior to the date of closing and provide paid receipts to show that the required work has been done. 
2. Review the property survey - The standard Illinois contracts require the seller to provide the buyer with a survey of the property. If you have an existing survey, you should be sure to review this survey to make sure that the boundaries of the property are defined correctly and there are no issues that may arise with the new survey. Some buyers, especially in cash deals, will accept the existing survey, if no new improvements have been made. 
3. Get ready for the final walkthrough - Buyers will typically visit the home prior to closing to check the property and make sure repairs have been done. Be sure everything has been taken care of before this walkthrough and make sure no unexpected issues arise. If necessary, you may need to address issues the buyers find or negotiate a payment for problems they discover.
4. Review your settlement - Your closing documents will include a seller’s closing statement detailing the money being paid and received. Be sure to review this statement for accuracy including the payoff amounts of any of your loans or mortgages.
5. Bring documentation to closing - At closing, be sure to bring your photo ID, the paid receipts for repairs, and any information the buyer will need, such as codes to security systems.
6. Resolve last-minute details - If something is not in the same condition at walkthrough as it was when the offer was accepted, that item will need to be resolved at the closing table, or the closing may need to be postponed.
7. Be prepared to pay closing costs - You will typically be required to pay for certain items, such as commissions for real estate agents, outstanding property taxes or utility bills, and related fees, including title fees and attorney’s fees. Your realtor or attorney should inform you of the exact amount that you will need to pay at closing.
8. Transfer utilities - Utilities should be kept active until after the closing, at which point you can transfer service to the buyer.
9. Cancel homeowner’s insurance - Once closing is complete, you can cancel your homeowner’s insurance policy. You may receive a refund for any remaining months which you have already paid.
10. Keep your paperwork in a safe place - Be sure to keep all of the papers from the closing in a place where you can easily access them in case any questions or issues arise.

Contact a Riverwoods Residential Real Estate Attorney

If you have any questions about the processes followed during your home closing, or if you need an attorney’s assistance when selling your home, contact a Kenilworth real estate lawyer at Drost, Gilbert, Andrew & Apicella, LLC. Call our office at 847-934-6000 to schedule a consultation.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.


Zoning of Real Estate

Web Admin - Tuesday, January 19, 2016

zoning of real estate, Illinois Real Estate AttorneyIf you are a business owner searching the market for commercial real estate, it is critical to be aware of, and understand, the various zoning laws. These laws will impact what you are allowed to do on the property. Therefore, determining the types of activities your business will engage in is also important when looking for commercial property. 

What Do Zoning Laws Do? 

Under Illinois law, local municipalities can utilize zoning laws (also referred to as zoning ordinances or land use regulations) in order to protect communities and regulate their growth. These laws establish zones of property that can only be used for specific purposes. There are numerous types of zones, including: 

1. Residential;

2. Commercial, such as retail stores, office buildings, and hotels;Industrial, which involves manufacturing facilities;

3. Agricultural, which are areas designated for farming activities; and

4. Recreational. 

Hence, for example, an individual would be prohibited from opening a manufacturing plant in an area zoned for residential use. However, most real estate, with the exception of single-family homes and lots, can be commercial real estate, as you have probably seen an old building once used for manufacturing changed into office or retail space. 

Zoning laws regulate various activities of businesses for numerous reasons, such as ensuring areas receive adequate light, to protect against the risk of fires and to minimize congestion on public streets. Some of the common laws enacted regulate: 

1. Noise level;

2. Appearance of the building (such as its height and proximity to other buildings);

3. Whether parking must be provided; and

4. Size, placement, and appearance of signs.

Depending on the type of business, the more or less relevant certain restrictions may be. For instance, the limits on the amount of noise that can be produced likely does not affect a grocery store, but may greatly impact a nightclub. Other regulations, such as those related to the appearance of signs attached to the building, will likely affect any type of commercial use of the property. 

The zoning laws make it important for business owners to check their local ordinances to ensure that they will be allowed to perform the types of activities necessary to operate the business. It is important to not simply rely on the activities that the previous tenant or owner conducted because past use is not an indicator that the same future use is permissible. For example, generally speaking, when a new law is passed that prohibits activity, the current occupant is allowed to continue to conduct the activity that is now prohibited (called non-conforming use). However, when a new occupant enters the property, he or she must conform to the law (it is impermissible to continue the nonconforming use).

Real Estate Help 

The success of your business can be significantly impacted by leasing or purchasing real property that does not fit with the activities your business needs to conduct. For more information about commercial property, contact a skilled Illinois real estate attorney today. Our firm provides legal representation for individuals in the communities of Inverness, Palatine, Schaumburg, Arlington Heights, Long Grove, Kenilworth, Riverwoods, Barrington, South Barrington, and Mount Prospect.

About the Author: Founding partner of Drost, Gilbert, Andrew & Apicella, LLC, Colin Gilbert, received his J.D. from Chicago-Kent College of law in 2005. Colin argues cases across many practice areas including criminal defense, collections, civil litigation, real estate law, and corporate law. Colin is an active member of the Board of Governors of the Northwest Suburban Bar Association and the Illinois Creditors Bar Association. He is currently Vice President of the Arlington Heights Chamber of Commerce, and is a Commissioner for the Village of Arlington Heights. Colin has a 10.0 Attorney rating on Avvo, and was named one of the 2014 “Top 40 Under 40” Trial Lawyers in Illinois by the National Trial Lawyers Association.



Chicago Landlord Tenant Ordinance

Web Admin - Friday, May 08, 2015

landlord tenant ordinance, Schaumburg real estate lawyerOver 60 percent of Chicago residents live in rental housing. As a result, the laws governing the landlord-tenant relationship are very important. The Chicago Landlord Tenant Ordinance governs a majority of the residential rental agreements within the city. The Ordinance places certain duties on both landlords and tenants.

What Does the Ordinance Do?

Generally, the Ordinance covers any rental units under written or oral leases. However, the Ordinance does not cover the following:

  • - Units in owner-occupied buildings that have less than six units;
  • - Units in hotels, motels, inns, or bed-and-breakfast establishments, unless rent is paid monthly and the unit is occupied by the tenant for more than 32 days;
  • - Dormitories or shelters; and
  • - Owner-occupied co-operatives.

The Ordinance requires that tenants abide by all of the obligations of the Municipal Code. Some of these duties include, but are not limited to, the following:

  • - Maintaining smoke and carbon monoxide detectors (for example, by ensuring that working batteries are in the detectors);
  • - Keeping the unit as safe as the conditions of the premises permits;
  • - Avoiding disturbing other tenants; and
  • - Not causing any damage to the unit.

Landlords are also placed under duties by the Ordinance. A landlord is required to maintain the property in compliance with the Municipal Code. This includes maintaining heating facilities, the structural integrity of the building, and the building’s plumbing system, among numerous other items.

Further, a landlord cannot require a tenant to renew a lease agreement more than 90 days before an existing agreement ends. Additionally, a landlord must provide a tenant with at least 30 days written notice if the rental agreement will not be renewed. If this required notice is not given, a tenant may remain in the unit for 60 days under the same terms and conditions as the last month of the existing agreement.

Remedies for Defects

If a property has a minor defect, a tenant’s first step to remedy the issue is to provide written notice to the landlord indicating that if the landlord does not correct the defect, the tenant will have the defect corrected at the landlord’s expense. The landlord has 14 days to correct the issue before the tenant can take action. The cost to correct the issue cannot be more than the greater of $500 or one half of the monthly rent. After 14 days, if the landlord has not taken corrective action, the tenant can have the repairs completed. The tenant can then submit to the landlord a paid bill and deduct the cost of the work from the rent.

For a material noncompliance to maintain the premises, a tenant may withhold rent in an amount that reasonably reflects a reduction in value of the premises as a result of that material noncompliance. This withholding of rent may continue for as long as the material noncompliance continues. However, the withholding can only begin after 14 days have passed since the landlord was given written notice of the condition.  

If you would like more information about the rights and obligations of the parties involved in a residential rental relationship, you should speak with an experienced Illinois real estate attorney today. Whether you are a landlord or tenant, Drost, Gilbert, Andrew & Apicella, LLC can help. Our office proudly represents clients in the Schaumburg, Palatine, and Long Grove areas, among many others. 

About the Author: Founding partner of Drost, Gilbert, Andrew & Apicella, LLC, Colin Gilbert, received his J.D. from Chicago-Kent College of law in 2005. Colin argues cases across many practice areas including criminal defense, collections, civil litigation, real estate law, and corporate law. Colin is an active member of the Board of Governors of the Northwest Suburban Bar Association and the Illinois Creditors Bar Association. He is currently Vice President of the Arlington Heights Chamber of Commerce, and is a Commissioner for the Village of Arlington Heights. Colin has a 10.0 Attorney rating on Avvo, and was named one of the 2014 “Top 40 Under 40” Trial Lawyers in Illinois by the National Trial Lawyers Association.

Recent Posts


estate plan Schaumburg elder law lawyer car crashes Des Plaines accident attorney IRELA Illinois business law atorneys Deer Park accident attorney estate tax estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Illinois employment law attorney murder charges Palatine workers compensation lawyer Buffalo Grove criminal defense lawyer Palatine business attorney Schaumburg construction accident lawyer right to work Crystal Lake civil litigation lawyer Palatine Attorney Illinois bicycle safety work unions trucking accident lawyers insurance negligence estate planning trusts Inverness estate planning lawyer Schaumburg estate attorney Buffalo Grove personal injury attorney elder law Deer Park DUI lawyer Illinois workplace discrimination attorney Rolling Meadows insurance dispute lawyers, insurance dispute surgical mistakes pet bites Illinois rollover accident lawyers involuntary manslaughter workers compensation benefits Illinois defective products attorney employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, underage DUI Colin H. Gilbert sexual images Crystal Lake criminal defense attorney Rolling Meadows personal injury lawyer privacy license Crystal Lake injury attorney Des Plaines bike accident pedestrian accidents guardianship attorney insurance disputes estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, DUI defense Buffalo Grove real estate attorney Home Sale Contingencies Illinois business lawyer South Barrington real estate attorney Illinois civil litigation lawyer preventable medical errors medication errors expungement Forcible Entry unpaid overtime Arlington Heights wills and trusts attorney Schaumburg civil litigation attorney GM ignition switches wage theft Illinois estate planning law firm homestead rights residential real estate blood alcohol content Arlington Heights estate planning attorney gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys Illinois probate lawyer POA Barrington employment law attorney Arlington Heights accident attorney Illinois insurance disputes drugs IRS sole proprietorship digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers traffic offenses Schaumburg personal injury lawyer driving Chicago lawyer Schaumburg Inverness insurance attorney Rolling Meadows medical malpractice lawyers workers compensation Illinois trucking safety commercial leasing Illinois employment law firm Landlord Tenant Ordinance estate planning attorney comparative negligence unfunded trust Crystal Lake medical malpractice attorneys anesthesia errors whistleblower protections small business Rolling Meadows employment attorney investment property Chicago estate planning Chicago insurance claim attorneys Family Medical Leave Act speeding liability spinal cord injury Rolling Meadows attorney fees Schaumburg medical malpractice lawyer Illinois driving without license marijuana crimes attorney drug crimes suspended license foreclosure child safety Illinois insurance claim dispute lawyers School Visitation Rights Act Crystal Lake medical malpractice lawyer wills Illinois traffic ticket lawyer unauthorized overtime estate planning liens Illinois job attorney Kenilworth estate planning lawyer foreclosed rental property Illinois pet lawyer auto accidents forming a corporation in Illinois Illinois home inspection Illinois mortgages car collision ObamaCare insurance agent negligence Rolling Meadows insurance lawyer Illinois employment laws Rolling Meadows estate planning attorney college kids Arlington Heights car crash attorneys motorcycle accident lawyer jet ski accidents Illinois traffic laws Illinois workers compensation attorney Palatine estate planning lawyer Palatine employment attorney wills and trusts civil litigation attorney Crystal Lake medical malpractice law firm Inverness real estate lawyer wrongful death Long Grove estate planning living trust vs will Rolling Meadows drug defense attorney Illinois wrongful termination lawyer startup company personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys BAC Mount Prospect real estate lawyer Inverness elder law lawyer Illinois injury lawyer Arlington Heights personal injury attorney Rolling Meadows Traffic Lawyer traffic tickets real estate zoning social media after death PTSD Rolling Meadows real estate attorney Legal Info LLCs Palatine corporate law attorneys life insurance lawyer natural gas explosion Buffalo Grove personal injury lawyer Mt Prospect Attorney insurance adjusters Rolling Meadows insurance dispute lawyers reckless homicide hands free device murder Rolling Meadows Attorney employment attorney Illinois employment lawyer Crystal Lake car accident lawyer mass shooting Illinois collections attorney Retaliatory Discharge golf accidents Arlington Heights pedestrian accidents Illinois law Palatine punch death disability benefits employment law, Illinois employment laws overtime violations Crystal Lake personal injury lawyer Deer Park motorcycle accident lawyer Illinois registered agent federal crimes traffic laws car crash digital information medical marijuana denial of life insurance compensatory time pregnant women hiring employees Crystal lake insurance dispute attorney sexual harassment healthcare marijuana Illinois personal injury job lawyers insurance claim dispute attorney pay when paid contract Schaumburg real estate lawyer medical research Rolling Meadows personal injury lawyers Illinois estate planning Buffalo Grove car accident lawyer traffic deaths dog bites Schaumburg employment law attorneys Inverness injury lawyer landlord South Barrington real estate lawyer Illinois will lawyer Illinois real estate criminal automated cars Barrington Illinois estate planning lawyer probate process Illinois elder law attorney dealing with problem employees internet bad faith insurance claims Deer Park criminal attorney probate fees defective products Arlington Heights wills and trusts lawyer Schaumburg probate attorney living trust insurance dispute attorney Des Plaines civil attorney new real estate form Crystal Lake traffic lawyer DUI uninsured motorist Illinois traffic attorney Arlington Heights TBI attorney personal injury attorney Kenilworth estate planning attorney liability claims employee discrimination Rolling Meadows boating crash lawyer power of attorney Rolling Meadows corporate lawyer Des Plaines DUI attorney Rolling Meadows personal injury attorney Arlington Heights injury attorney jet ski Des Plaines collections attorney controlled substance Palatine law firm Arlington Heights real estate lawyer Barrington personal injury attorney preventing accidents Illinois insurance dispute lawyers cell phone accidents digital evidence car crash injuries bicycle accidents Arlington Heights traffic attorney modern family estate planning changes to mortgage law medical malpractice Barrington boating accident attorney senior citizens Deer Park workers compensation lawyer DUI penalities contracts unpaid assessment Crystal Lake estate planning lawyer Inverness corporate attorney Deer Park personal injury lawyer Mount Prospect elder law attorney Illinois estate planning attorney Barrington business law firm head on collisions Illinois Wage Payment and Collection Act trusts pedestrian injuries, pedestrian fatality rent to own real estate contracts Chicago employment attorney in terrorem provision holiday statistics irrevocable trust Illinois lawyer clemency breathalyzer test trustee Rolling Meadows marijuana attorney car accident Schaumburg injury lawyer drunk driving statistics trucking accidents Illinois Smoke Detector Act Des Plaines pet law attorney Long Grove wills and trusts attorneys gift taxes Deer Park employment law attorney Arlington Heights trucking lawyer Buffalo Grove traffic lawyers Illinois LLC creation natural gas capital gains tax caregiver motorcycle accident traumatic brain injuries Schaumburg criminal attorney Arlington Heights Attorney Chicago car accident lawyer Arlington Heights tax lawyer Illinois trusts attorney Illinois insurance claim attorney Jay Andrew insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys Chicago traffic lawyer Barrington injury attorney spinal cord injuries insurance dispute Food and Drug Administration's Food Safety Modernization Act Illinois insurance lawyer Chicago employment lawyer murder defense Crystal Lake traffic attorney Arlington Heights lawyer Chicago corporate attorney traffic accidents Illinois traffic attorneys Des Plaines personal injury lawyers Schaumburg corporate attorney hit and run accident Des Plaines tax law firm Palatine probate lawyer Palatine employment law lawyer pain and suffering Mount Prospect wills and trusts lawyers Colin Gilbert Des Plaines claims law firm nursing home negligence Barrington litigation attorney traffic violations pet law mortgage rollover accidents Schaumburg wrongful death attorney Illinois small business Detainer Actions texting while driving FMLA rest breaks low-ball insurance settlement Palatine criminal defense lawyer Inverness accident lawyer car accident lawyers back injuries civil rights violation BUI probate claims process DUI attorney Palatine civil litigation lawyer traffic violations defense Des Plaines real estate lawyer accidental death benefits real estate leasing Schaumburg personal injury lawyers FSLA Palatine trusts lawyer Rolling Meadows traffic law firm insurance claim denials Transfer on Death Instrument problem employees estate planning for college students Illinois employee rights attorney. elder abuse Crystal Lake accident attorney underinsured motorist BAIID Illinois tax attorney vacation home Buffalo Grove probate lawyer personal injury Arlington Heights wills and trusts lawyers personal injury law firm no contest clauses estate planning lawyer probate claims Fourth of July home inspection lawyer installment contracts Palatine injury attorney Illinois Workers’ Compensation Commission llinois Real Estate Lawyers Association Illinois DUI attorney Crystal Lake business law attorneys workplace sexual harassment Buffalo Grove law firm criminal law independent contractor Rolling Meadows car accident lawyers Illinois construction accident attorney life insurance Illinois Probate Act of 1975 Buffalo Grove injury lawyer employee rights Illinois pedestrian accident attorney Palatine civil attorney Crystal Lake bike accident lawyer Long Grove estate planning attorney Inverness traffic law firm Rolling Meadows criminal attorney first degree murder Illinois employment attorneys Illinois car accident attorney paid sick leave appealing an insurance claim Illinois boating accident lawyer Chicago trucking accident attorney pedestrian accident landlord tenant law employee misclassification car accidents trauma after an accident premises liability Crystal Lake employment lawyer employment lawyer eluding a police officer Arlington Heights criminal lawyer deadly crashes slip and fall CAM Inverness DUI lawyer construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation license reinstatement icy parking lots Illinois insurance attorney bicycle dooring accidents Illinois medical malpractice attorney boating accidents Barrington employment law firm Inverness probate lawyer Crystal Lake employment law attorney wrongful termination Thanksgiving Schaumburg Attorney Crystal Lake insurance lawyer Schaumburg estate planning attorney Illinois wills and trusts attorneys insurance claims Illinois attorney real estate attorneys Inverness civil lawyer Des Plaines personal injury lawyer Arlington Heights medical malpractice lawyer Illinois corporate lawyer Buffalo Grove medical malpractice lawyers trust payments Federal Food Drug and Cosmetic Act Affordable Care Act privacy laws Liquor Control Act license suspension Illinois traffic accident lawyer corporate law Palatine traffic accidents Barrington medical malpractice lawyers Crystal Lake pedestrian accident lawyer Barrington workers compensation attorney truck collisions Illinois living will subcontractor drunk driving Rolling Meadows employment law attorney condo DMV insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys probate financial advisors caretaker rights taxes ACA Illinois employment law TBI living wills special needs trust rumble strips real estate brain injury DNR advance healthcare directive Des Plaines drug crimes lawyer Rolling Meadows litigation lawyer criminal defense Buffalo Grove corporate attorney Palatine real estate lawyer Barrington estate planning attorney Palatine corporate attorney Illinois workers compensation lawyer insurance denials Des Plaines criminal attorney Crystal Lake tax lawyer condo association swimming pools traumatic brain injury digital media accounts, estate planning, Arlington Heights estate planning attorney, Arlington Heights insurance attorney personal injury claim probate lawyer car accident lawyer healthcare claims fiduciary rule Crystal Lake employment attorney Rolling Meadows tax attorney creditors medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers real estate contract Chicago estate planning lawyer consent to a search Deer Park real estate law firm defective products lawyer workers comp Illinois wills and trusts income distribution deducation life insurance claims pedestrian-automobile accident Schaumburg traffic lawyer Rolling Meadows insurance attorney Rolling Meadows probate lawyer Rolling Meadows employment law attorneys digital assets filing a medical malpractice claim real estate closing Crystal Lake pet attorney Chicago will attorney boating under the influence Rolling Meadows traffic attorney vacation home fines distracted driving accidents construction contracts Buffalo Grove insurance claim dispute lawyers Buffalo Grove traffic attorney breach of contract Attorney Ken Apicella Policy Cancellation dram shop law tax attorney IRA benefits Self-Directed IRA Accounts traffic crimes Inverness personal injury attorney comp time Chicago insurance law firm drug crime medical malpractice compensation Deer Park traffic accident attorney drug possession Schaumburg personal injury attorney Chicago will attorney, social media platforms, Illinois estate planning lawyer, Crystal Lake law firm pizza emoji texting and driving Schaumburg employment attorney Barrington attorney personal injury accidents real estate lawyer Long Grove real estate lawyer Barrington criminal lawyer Illinois Sales Representative Act Des Plaines real estate attorney Barrington real estate lawyer ken apicella Palatine insurance lawyer Deer Park traffic lawyer IRA trust transfer Rolling Meadows accident lawyer Palatine employment lawyer Illinois jet ski accident lawyer employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys Barrington employment attorney fatal car accidents Arlington Heights car accident lawyer operating agreements Illinois license revocation Class A misdemeanor employees field sobriety test Illinois medical malpractice claim Long Grove real estate attorney food poisoning trench injuries health insurance dispute Des Plaines motorcycle accident attorney Illinois red light cameras Des Plaines medical malpractice attorney Rolling Meadows criminal lawyer Des Plaines insurance attorney personal injury claims Des Plaines personal injury attorney denied insurance claim Deer Park medical malpractice attorney Chicago biking tips fiduciary rule delay Arlington Heights Traffic Lawyer Exclusions Illinois real estate lawyer owner responsibility Des Plaines injury law firm business litigation Illinois personal injury lawyers deed transfer Arlington Heights personal injury lawyer real estate attorney personal injury lawyer insurance agents Schaumburg insurance lawyers denied insurance claims Illinois motorcycle accident lawyer Illinois medical malpractice lawyers Illinois Human Rights Act Schaumburg estate planning lawyer Illinois personal injury attorney Long Grove estate planning attorneys Palatine drug lawyer Super Mario federal regulations for LLCs institutional trustee Chicago attorney agent Fair Labor Standards Act drug crimes lawyer rollover car crashes Crystal Lake personal injury attorney Arlington Heights wills and trusts attorneys Barrington estate planning lawyer Arlington Heights employment attorney Illinois insurance claims lawyers Barrington drug crime attorney Employment Discrimination Law commercial leases Riverwoods estate planning lawyer crossover accidents Crystal Lake will lawyer Home Remodeling Repair Act living trust benefits Barrington civil litigation attorney DGAA meal breaks civil litigation life insurance policy Barrington Traffic Lawyer underfunded trust manufacturing Kenilworth estate planning attorneys insurance claim delay Crystal Lake car accident attorney insurance claim Palatine construction attorney Arlington Heights employment law attorneys Des Plaines drug lawyer severance agreements loss of consortium construction accidents Barrington personal injury lawyer Schaumburg car accident attorney medical malpractice claims employment law revenge porn Palatine traffic lawyer power of attorney for healthcare Illinois criminal defense attorney insurance claim denial employment contract commercial real estate Rolling Meadows business lawyer Whistleblower Claims Joliet general practice lawyers Illinois insurance claim dispute lawyer cell phone tower data Buffalo Grove employment lawyer wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace Des Plaines Traffic Lawyer insurance claim dispute Illinois employment law attorneys insurance denial appeals boating DUI Illinois Transfer on Death Instrument minimum wage Palatine elder law attorney blended families slip and fall accidents criminal record fault based insurance Schaumburg drug defense lawyer insurance attorney product liability estate attorney Rolling Meadows DUI lawyer distracted driving accident victims Illinois medical malpractice case overtime pay cell phone products liability Illinois speeding lawyer Illinois personal injury lawyer dynasty trusts Illinois workplace lawyer Inverness real estate attorney loopholes Barrington criminal defense lawyer Palatine personal injury lawyer Schaumburg criminal law attorney Do Not Resuscitate